Why buy IMG insurance through TaiAn? IMG is a worldwide leader in international medical insurance, and TaiAn is an IMG Endorsed Independent sales center with exclusive plan options and bilingual service.
Does Plan S meet J visa requirements? Yes, at a benefit of $100,000 or more per illness or injury. Plan S has 20% coinsurance, which is within the 25% the J visa rules allow. Plan S is underwritten by SiriusPoint Specialty Insurance Corporation, rated "A" (Excellent) by A.M. Best.
Who can buy Plan S? International students, scholars and their dependents on F-1, F-2, J-1, J-2, M-1, M-2, OPT and other education or exchange visas. Confirm your school's rules first; some schools don't accept coinsurance.
How do I check my school's requirements? Search for your school on our Student & Scholar page or contact TaiAn.
How do I buy Plan S? Buy online from the TaiAn Exchange Select page. Choose a benefit and deductible, pay by card, and IMG emails your ID card and visa letter within minutes.
How do I get the 10% discount? Join the TaiAn Group plan.
Per-illness or annual deductible? The $100 per-illness deductible applies once per illness or injury. The annual deductible of $250 or $500 applies once per policy period. If you expect several unrelated visits, the annual deductible is usually better.
What is the coinsurance? In the U.S., you pay 20% after the deductible in the UnitedHealthcare Options network and 30% out of network. Outside the U.S., you pay 20%. Using the network saves you money on Plan S.
Need pre-existing condition coverage? Some schools require it. TaiAn Exchange Select Six covers pre-existing conditions after 6 months.
Payment, renewal, pre-certification, claims, prescriptions These work the same way as Plan B; see the TaiAn Patriot Exchange FAQ. Plan S can be renewed for up to 4 years if your first purchase was at least 1 month.
Are child checkups, vaccines, dental and vision covered? Routine checkups, vaccines, cleanings, eye exams and glasses are not covered. Limited emergency dental and eye illness or injury are covered; see the brochure. For routine care, consider a Careington Dental and Vision discount plan.